[ossiblue]

The important part of Noah's post is, "The "ticket" I return with my monthly payment allows me to itemize how much goes to additional principal/additional escrow/late charge/additional monthly payment/total amount enclosed. Obviously I always fill out those boxes to indicate my overpayment is to go to additional principal. It hasn't been a problem for the past 2.5 years. "

Previously, the bank clearly accepted his principal reduction plan without complaint so any speculation as to why they applied the extra payment to future monthly payments needs to be placed in that context. The only reason it happened is because of a "mistake" and that's why it was so easily remedied (apparently.) Whether or not the "mistake" was intentional is the cause for concern.

Hard to prove but definitely should be reported, IMO, to protect those who are not as thorough in their record keeping as Noah.